Health insurance at its core is very simple. You put money in, you go to doctor, insurance pay doctor. But in the USA, the insurance denies everything they possibly can. Money put in doesn’t ever see a doctor or your health costs, it goes right to the stockholders…
So why doesn’t someone just make a non-profit health insurance company where there’s no stock, no executives, just public servants and aggressive price negotiation where your medical bills are actually paid with the money put in?
One really couldn’t hope for a better response than yours, even in details like also adding Liberty Mutual.
State Farm’s adjustors act upon a universal ideology. Their captive agents have nearly zero influence over them. The only difference in service that you’re likely to experience is in communication between yourself and the captive agent.
You’re seem both knowledgeable and rational. My paragraph above is flawed or you’ve some sort of exceptional situation. If it’s flawed then please teach me why.